Home > > Chase Perfect Card

Chase Perfect Card

0% Introductory APR* on balance transfers
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on purchases
All the rebates you earn are automatically credited toward future purchases

Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.
Perfectly Rewarding
6% rebate on all gas purchases made at any gas station for the first 90 days.
After that, you'll earn a 3% rebate on all gas purchases.
Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
0% Introductory APR* on balance transfers
All the rebates you earn are automatically credited towards your future purchases
Worldwide acceptance
Generous credit line
Automatic Travel Accident Insurance
Purchase Protection
No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.
2

DID YOU KNOW?

	Paying off debt is a great feeling, plus you save thousands in future interest payments. Your credit score improves with reduced debt levels, qualifying you for lower rates on future credit. Plus, you have more financial freedom to pursue your dreams, not weighed down by bills. To help you reach your debt elimination goal, follow these tips. Analyze Your Bills And Expenses Taking a look at your bills and living expenses to help you understand where you are losing the most money. Find out your account balances and interest rates. Also tally up your living expenses. Next, write out a budget for yourself. Decide how much you need to live on. The rest can be split between debt elimination and savings. While paying off debt is your ultimate goal, building up your savings will help you avoid using additional credit for future financial emergencies. Lower Your Interest Rates To speed up your debt elimination plan, trade in your high interest accounts for a lower interest plan. This could mean opening a low rate credit card or consolidating your debt with a home equity loan. Before you open a new credit line, check out rates and fees. Closing costs of second mortgages can make lines of credit and credit cards look more favorable. Finally, compare plans with several lenders before settling on one. This is were you can find real savings in rates and fees. Get Some Help If you find it difficult to manage your debt, turn to a third party. Debt management companies handle your monthly payments while lowering your interest rates. In most cases, they can get you out of credit card debt in less than five years. For more serious debt problems, you can turn to a debt negotiation company. They can eliminate part of your debt with some creditors, making your monthly payments more manageable. Just know that there are tax and credit implications. Before signing up with any company, do your research. Avoid companies that make claims that sound too good to be true – such as instant debt elimination. The best companies partner with you to rebuild your credit and help you manage your debt.

To save money on your credit cards, doesn’t always necessary mean that you have to switch providers to get a better deal, far from it as you can always start on your own doorstep and ask your current credit card lender if they can offer you a better deal than the one that you are getting at present.

This should be your first step if you are looking to get a better deal, but are unsure, as you are more than happy with the service that your current credit card gives you. Though you may feel that it maybe easier to simply change to a different lender, then this couldn’t be further from the truth and at the end of the day, the credit card that you have should be one that suits you and not the credit card issuer.

If you are in fact happy with your present credit card and the benefits and service that you have then read on and find out how simple that getting a better deal can be.

Firstly you have to ask yourself if you keep your payments up to date, have not missed any and have an overall good payment history with your credit card company, if so then you have the right cards to play when it comes to asking for a reduction in your APR charges. If you fail to have any of the criteria that has been mentioned, then before you can ask your credit card issuer for a better deal, you may find that you have to get your credit history up to scratch.

Once you have ascertained that you have the right credentials, look out for some of the better deals that you can currently find in the credit card market at the moment, so that you can tell them about the better offers that have been sent to you from the other credit card lenders, it is just another weapon to use to get what you want and with a good payment history and long service wit the card, most credit card companies do not wish to loose good customers, so even if it sounds a bit like blackmail you have to get the best deal for you.

Once you contact your credit card issuer, remember to always stay polite, even more so if the person on the other side of the phone is lets say having a bad day, simply ask to be put on to a supervisor or manager and while doing so remain calm and polite.

If you get to the stage that the credit card company has made you a better offer (I said “If” because always be prepared that your credit card issuer declines your request) see if it matches up against the other offers you have written down, tell them so and if they cant beat or even come close to matching it, then let them know that you will be cancelling your account with them and that you want it confirmed, if by doing this and they still don’t budge on the APR, then maybe who ever you move to, will value your custom more than they did.